@gdtobefree wrote:
These people are EVIL, evil I tell you! they told me that because all they had was JUST A BALANCE and no transaction history they would not work out a payment plan or any other agreement and WILL NOT delete if I paid it off today, tomorrow or ever.
The heck with them, they wanted my money for 6 yrs and now all of a sudden they don't want it they can rot in heck well until June or Sept of 09.
If they have admitted they have no balance history then they've admitted they have no paperwork and if they have admitted that then as far as I know the are SOL.
In any event, yeah I guess I'll let it drop off.
I was hoping they'd be amenable to taking the $336 CO amount and not the $1800 they list but it sounds like a long shot.
Now I just have to figure out whether to go after Bally's;
They are off my TU/Efx after 12/07 dispute, but stuck on Exp. MOV'd em in March, ignored me. Now I can either;
let em lie and live with the 698 Experian score. I have a Paid Judgement on there that is not budging so not sure if getting a silly gym membership off will matter much.
If I concentrate on TU (the old Cap1 and a 4 year old Collection) but 710 and Efx (701 and with Midland falling off it should jump to 710-720) I should be able to get some decent credit.
Plans are;
Amazon Chase (Efx often and do a lot of shopping on Amazon as it is, always offered on each transaction)
Target Visa
Walmart
HSBC Overfdraft
Citibank Overdraft
Basically looking to build $40k - $50k in Credit Lines if possible. Originally I thought I'd have Cap1 off but since pretty clean new plan is get what I can, pay it well, and when Cap1 falls off apply for CLIs on all.